🌍 ClimateRiskCheck

Natural Disaster Risk in Scotland County

Missouri

5.4out of 10
Moderate Risk

Risk Summary for Scotland County

Scotland County scores 5.4/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Extreme Heat.

Top Hazards

Extreme Heat Landslide Drought

All 18 Hazard Scores

Extreme Heat
9.4
Landslide
7.3
Drought
7.2
Hail
6.8
Wildfire
6.1
Tornado
5.8
Lightning
5.7
Strong Wind
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Hurricane
4.7
Avalanche
4.5
Cold Wave
4.4
Earthquake
3.9
Winter Weather
2.9
Ice Storm
2.3
Riverine Flooding
1.0

How it compares

Scotland County
5.4
Missouri avg.
5.9
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Scotland County, Missouri

Scotland County is located in the United States in Missouri, home to roughly 4,696 residents. The county experiences hot summers, cold winters, and collision of multiple air masses, with year-round severe weather including tornadoes, ice storms, and floods shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.

According to FEMA's National Risk Index, Scotland County carries an overall risk score of 5.4/10, placing it in the moderate category. Heat wave risk stands out as the primary natural hazard here, with above-average summer temperatures amplified by urban heat island effects in developed areas. The area also faces notable exposure to landslide and drought.

Scotland County's risk score, slightly below the 5.9/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Scotland County, the highest-scoring are heat, landslide, and drought. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Scotland County residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for heat is recommended.

What this means for Scotland County: Extreme Heat preparedness

  • Ensure reliable air conditioning and identify nearby cooling centers for extreme heat days.
  • Check on elderly neighbors and never leave children or pets in parked vehicles.
  • Stay hydrated and limit outdoor activity during the hottest hours when heat advisories are issued.

Cities in Scotland County

ZIP codes in Scotland County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.